EFA vs FNDF

AEFA

BFNDF

Measures won2–4FNDF wins · of 6 · 5Y

$10,000 · 5Y$18,872FNDF · VEA $15,497

Lowest cost0.03%VEA · $3 on $10k

Most income3.21%EFA · $321 on $10k

Smallest drop−10.6%FNDF · worst fall in 1Y

Held in common58.8%EFA and FNDF

EFA

FNDF

iShares MSCI EAFE ETF · $75.5BSchwab Fundamental International Large Company Index ETF · $25.2B

+18.7%3 years · per year$16,732 · $18,931+23.7%

+8.6%5 years · per year$15,117 · $18,872+13.5%

0.32%Expense ratio$32 · $25 on $10k · lower wins0.25%

3.21%12-mo yield$321 · $303 on $10k3.03%

−11.4%Worst dropSmaller wins−10.6%

16.6%VolatilityLower wins16.7%

2–4FNDF wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsEFA · FNDF

1.4%SHEL.L2.9%

1.6%ROP.SW1.1%

1.4%HSBA.L1.0%

1.0%BHP.AX1.1%

Held in common58.8%

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.2B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
3	AEFA	iShares MSCI EAFE ETFRead Desk	0.32%	3.21%	+3.0%	+11.0%	+15.6%	+18.7%	+8.6%	−11.4%	$75.5B
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.2B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
3	AEFA	iShares MSCI EAFE ETFRead Desk	0.32%	3.21%	+3.0%	+11.0%	+15.6%	+18.7%	+8.6%	−11.4%	$75.5B
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

EFA vs FNDF

EFA

iShares MSCI EAFE

$15,117

FNDF

Schwab Fundamental International Large Company Index

$18,872

MeasureEFAFNDF

Fee0.32%0.25%

Cost on $10k a year$32$25

Yield3.21%3.03%

5 years, per year+8.6%+13.5%

3 years, per year+18.7%+23.7%

Worst drop · 1Y−11.4%−10.6%

Volatility · 1Y16.6%16.7%

4–2measures won
FNDF first

58.8%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+11.1%

IXUSiShares

+11.5%

+11.1%Year to date+11.5%

2.4%Yield3.0%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 9, 2026

VEA vs IEFA

YTD

VanguardVEA

+12.9%

IEFAiShares

+11.1%

+12.9%Year to date+11.1%

2.4%Yield3.4%

$232BAssets$187B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: EFA, FNDF, VXUS, VEA

Today

65.4%most shared, VXUS and VEA

EFAFNDFVXUSVEA

EFA—58.8%45.7%63.0%

FNDF58.8%—47.3%59.8%

VXUS45.7%47.3%—65.4%

VEA63.0%59.8%65.4%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$289most kept, EFA

EFA$321 − $32 = $289

FNDF$303 − $25 = $278

VEA$244 − $3 = $241

VXUS$239 − $5 = $234

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee